The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$5,712
−HK$358/mo
▼ 0.25% · 3.875%
HK$5,889
−HK$181/mo
Today · 4.125%
HK$6,070
baseline
▲ 0.50% · 4.625%
HK$6,439
+HK$369/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,140/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,354
−HK$343/mo
▼ 0.25% · 3.875%
HK$6,525
−HK$172/mo
Today · 4.125%
HK$6,697
baseline
▲ 0.50% · 4.625%
HK$7,050
+HK$353/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,394/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,854
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,067
−HK$217/mo
Today · 4.125%
HK$7,284
baseline
▲ 0.50% · 4.625%
HK$7,727
+HK$443/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$14,568/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,625
−HK$412/mo
▼ 0.25% · 3.875%
HK$7,829
−HK$208/mo
Today · 4.125%
HK$8,037
baseline
▲ 0.50% · 4.625%
HK$8,461
+HK$424/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$16,074/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,996
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,245
−HK$253/mo
Today · 4.125%
HK$8,498
baseline
▲ 0.50% · 4.625%
HK$9,015
+HK$517/mo
Deposit HK$751K · loan HK$1.75M · min. income ≈ HK$16,996/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,896
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,134
−HK$242/mo
Today · 4.125%
HK$9,376
baseline
▲ 0.50% · 4.625%
HK$9,871
+HK$495/mo
Deposit HK$751K · loan HK$1.75M · min. income ≈ HK$18,752/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,281
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,601
−HK$325/mo
Today · 4.125%
HK$10,926
baseline
▲ 0.50% · 4.625%
HK$11,590
+HK$664/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$21,852/mo (50% DSR)
Upfront cash ≈ HK$251K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,437
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,744
−HK$311/mo
Today · 4.125%
HK$12,055
baseline
▲ 0.50% · 4.625%
HK$12,691
+HK$636/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$24,110/mo (50% DSR)
Upfront cash ≈ HK$251K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).